Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 13
Registered: ‎04-08-2010
0

Update to CAP1 EO office return call

Smiley Happy WOW OK soft pull they went from $500. To $3000. Yea Baby. As the earlier post stated also got 1.5% cash back $37 refund on annual fee, and  APR reduction of 5%. To all a great thanks.Smiley Very Happy

Contributor
Posts: 158
Registered: ‎08-23-2013
0

Re: Update to CAP1 EO office return call

I Just called today and asked for an increase from 500 to 3000. (thanks to everyone who PMed me the number).  I hope I get the same result!

 

CONGRATS 1970Charger!


Gardening now for that spring harvest Entered 9/4/13 leaving 4/14
Frequent Contributor
Posts: 268
Registered: ‎06-26-2009
0

Re: Update to CAP1 EO office return call

[ Edited ]

1970charger wrote:

Smiley Happy WOW OK soft pull they went from $500. To $3000. Yea Baby. As the earlier post stated also got 1.5% cash back $37 refund on annual fee, and  APR reduction of 5%. To all a great thanks.Smiley Very Happy


A complete total opposite experience from what I had today with their front line CSR`s. I have a card I was going to cancel anyways because I knew they had ZERO interest in increasing the CL -  but wanted to give them the opportuniuty to waive the AF.

 

Had an HSBC Discover Direct Rewards Card that I opened 4 years ago. Never missed a payment, never late, and for most of that time kept a balance of at least $200.

 

Starting limit: $300. CLI`s none. AF $69

 

After I got my insurance settlement last month, I PIF all of my cards. I asked for a 1 time courtesy of the AF to see if this card might become better after transition. NOPE. I got the ususal canned " I`m sorry we cannot do that at this time "

 

What to do? Hmmmmmmmm

 

Just cancel it...

 

The card was cancelled due to C-1 refusing to waive the AF and was willing to let a 4 year old account that never gave them single a red cent of  trouble be closed. Why spend billions aquiting accounts you are willing to let card members that pay their bills walk away from?

 

Meanwhile the EO litteraly gives away the bank to people "gaming" the system and that is why this bank really sucks.

EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
Member
Posts: 30,743
Registered: ‎02-07-2013
0

Re: Update to CAP1 EO office return call


1970charger wrote:

Smiley Happy WOW OK soft pull they went from $500. To $3000. Yea Baby. As the earlier post stated also got 1.5% cash back $37 refund on annual fee, and  APR reduction of 5%. To all a great thanks.Smiley Very Happy


Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Moderator
Posts: 8,217
Registered: ‎08-12-2013
0

Re: Update to CAP1 EO office return call


lajntx wrote:

 

Meanwhile the EO litteraly gives away the bank to people "gaming" the system and that is why this bank really sucks.



Don't hate the player.  Hate the game.

 

Anyway, the logical question is "Why not try calling the EO?"




Start: 619 (TU08, 9/2013) | Current: 763 (TU08, 7/15/16)
Sam's Club MC $25000 | AMEX BCE $17000 | Sallie Mae WMC $16500 | Cap 1 QS VS $10750 | Care Credit $10200 | BofA BBR $10100 | Discover IT $8500 | Marvel MC $8000 | Citi DC $8000 | JCP $8000 | Amazon Store $8000 | US Bank Cash+ VS $7500 | Blispay $7500 | Cap 1 QS WMC $5750 | Macy's Store $5400 | Sony Card $4250 | Macy's AMEX $3500 | Gold Violin $3050 | CU Visa $2500 | Target $1400 | Costco Anywhere $500 | ~~Gardening Since 5/10/16
Moderator
Posts: 8,217
Registered: ‎08-12-2013
0

Re: Update to CAP1 EO office return call

Congrats on the CLI! 

 

When I called the EO yesterday, I asked to go from $400 to $1200.  I'll cross my fingers on getting there, but I'll accept any increase on this card.




Start: 619 (TU08, 9/2013) | Current: 763 (TU08, 7/15/16)
Sam's Club MC $25000 | AMEX BCE $17000 | Sallie Mae WMC $16500 | Cap 1 QS VS $10750 | Care Credit $10200 | BofA BBR $10100 | Discover IT $8500 | Marvel MC $8000 | Citi DC $8000 | JCP $8000 | Amazon Store $8000 | US Bank Cash+ VS $7500 | Blispay $7500 | Cap 1 QS WMC $5750 | Macy's Store $5400 | Sony Card $4250 | Macy's AMEX $3500 | Gold Violin $3050 | CU Visa $2500 | Target $1400 | Costco Anywhere $500 | ~~Gardening Since 5/10/16
New Visitor
Posts: 621
Registered: ‎01-09-2013
0

Re: Update to CAP1 EO office return call

1970charger - Niiiice!!! Congrats.

Frequent Contributor
Posts: 268
Registered: ‎06-26-2009
0

Re: Update to CAP1 EO office return call


SunriseEarth wrote:

lajntx wrote:

 

Meanwhile the EO litteraly gives away the bank to people "gaming" the system and that is why this bank really sucks.



Don't hate the player.  Hate the game.

 

Anyway, the logical question is "Why not try calling the EO?"


Because the EO cannot do anything with the Discover Rewards cards as they are on a seperate system, and quite frankly I think they plan on spinning them off to some other bank in the future to avoid doing business with the Discover network.. I dont hate the player.... Just the game that wont be there in the future when someone legitimately does neet EO assistance but wont get it because they allowed the system to be gamed to the point that the bank closes it.

EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Update to CAP1 EO office return call


lajntx wrote:

SunriseEarth wrote:

lajntx wrote:

 

Meanwhile the EO litteraly gives away the bank to people "gaming" the system and that is why this bank really sucks.



Don't hate the player.  Hate the game.

 

Anyway, the logical question is "Why not try calling the EO?"


Because the EO cannot do anything with the Discover Rewards cards as they are on a seperate system, and quite frankly I think they plan on spinning them off to some other bank in the future to avoid doing business with the Discover network.. I dont hate the player.... Just the game that wont be there in the future when someone legitimately does neet EO assistance but wont get it because they allowed the system to be gamed to the point that the bank closes it.


I wouldn't calling using the EO as gaming the system.  Capital One is in weird situation of serving the entire credit spectrum.  I'm sure they have studied the subprime customers behavior and have determined that they need to put hard limits in place etc. given the risk.  Remember if 51% of subprime customers are irresponsible and default, it makes sense for them to just collect their AF and other random money.  They obviously handle their "prime" customers differently.  It could also be that their front line CS can't be trusted beyond a very limited scope (most companies' front line reps are limited).  Capital One's EO seems less of a true EO and more of a level two CS.  They all seem better trained and can be better trusted.

               LIMITS IN CARD DESCRIPTIONS
Established Member
Posts: 47
Registered: ‎04-14-2013
0

Re: Update to CAP1 EO office return call

Congrats on the increase! I too have called in and requested an increase from $400 to $3k. We'll see what happens.


Starting Scores May 2013: EQ 604 TU 661 EX 690
Goal Scores: 700+

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.